Macroeconomic headwinds from inflation and rising rates
Rising fuel prices, weakening rupee, and potential interest rate hikes could pressure MSME borrowers and increase credit costs.
SBFCFINANCE / Q4-FY26 / risks
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SBFC Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Household leverage in certain states
Management noted elevated leverage at household level in some states, leading to a deliberate slowdown in disbursements in those regions.
Gold price dependency for growth
A significant portion of gold loan growth is price-driven; a sharp decline in gold prices could impact AUM growth and mix targets.
Potential need to shift to indirect sourcing model
Analyst questioned scalability of direct sourcing model; management acknowledged possibility but sees no need for next two years.